Austin, TX · Charter 12304
Q1 2005
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | Q2 2004 | Q3 2004 | Q4 2004 | Q1 2005 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.03% | 0.05% | 0.04% | 0.00% | 0.00% | 0.00% | 0.00% | 5.56% | +556 bps | |
| Return on Equity | 0.21% | 0.27% | 0.23% | 0.00% | 0.00% | 0.00% | 0.00% | 26.17% | +2,617 bps | |
| Net Interest Margin | 2.24% | 2.09% | 2.08% | 1.63% | 1.60% | 1.62% | 1.84% | 2.25% | +61 bps | |
| Efficiency Ratio | 82.79% | 86.32% | 88.93% | 100.00% | 108.58% | 112.81% | 110.14% | 108.47% | +847 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -10.01% | -13.73% | -8.63% | -2.92% | -8.81% | -8.59% | -9.05% | -17.63% | -1,471 bps | |
| Loan Growth (YoY) | -27.16% | -24.39% | -35.00% | -35.99% | -42.97% | -45.70% | -37.41% | -39.00% | -301 bps | |
| Share Growth (YoY) | -9.00% | -16.49% | -10.69% | -3.38% | -10.51% | -10.18% | -10.36% | -21.56% | -1,818 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.49% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.43% | 4.32% | 5.21% | 5.71% | 6.58% | 7.34% | 7.60% | 2.13% | -358 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.27% | 16.83% | 17.63% | 17.22% | 17.87% | 18.42% | 19.38% | 21.24% | +401 bps | |
| Net Worth / Assets | 16.27% | 16.83% | 17.63% | 17.22% | 17.87% | 18.42% | 19.38% | 21.24% | +401 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.64% | 47.26% | 41.79% | 37.08% | 32.27% | 28.57% | 29.18% | 28.83% | -824 bps | |
| Liquid Assets / Assets | 56.58% | 60.58% | 65.69% | 68.97% | 72.90% | 76.04% | 76.30% | 75.51% | +654 bps | |